I was hit and run by a drunk driver a few years back in a Hertz rental. Luckily, no injuries. My rental car was parked when it was side swiped.

After filing a police report, I drove it to the airport in the middle of the night, filled out forms, and they swapped the car for a replacement on the same contract.

Sure, it took some time, but all things considered the process was pretty painless and hassle free.

My personal auto insurance paid primary, my credit card covered the deductible, and I never heard from anyone about it.